Insurance Claim Tips & Guides

Expert articles on health insurance claims, TPA processes, rejection reasons, and ombudsman complaints — by Dr. Bharatkumar B. Baraiya.

Health Insurance
Top 10 Reasons Health Insurance Claims Get Rejected in India

Find out the most common reasons insurers reject health claims and how to avoid or challenge each one.

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Cashless Claims
What to Do After Cashless Claim Denial — Step by Step Guide

Your cashless claim was denied at the hospital. Here is exactly what to do next.

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Claim Tips
How to Reduce Room Rent Proportionate Deductions

Room rent deductions can reduce your claim by 30-40%. Understand how to challenge them.

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Policy Basics
Cashless vs Reimbursement Claims — Which Is Better?

Understanding the difference and when reimbursement works better for you.

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Grievance
How to File an Insurance Ombudsman Complaint in India

The ombudsman is free, fast, and binding on insurers. Complete step-by-step guide.

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Policy Basics
Understanding Pre-Existing Disease Clauses in Health Insurance

PED clauses are the most common rejection ground. Know your rights as a policyholder.

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